The best home insurance companies in Georgia are Chubb, State Farm, Nationwide, Farmers and Travelers. Chubb ranks first for affordability and customer service, while Nationwide leads for coverage options. Compare all our top picks below.
Best Homeowners Insurance in Georgia
Updated: June 24, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Georgia are Chubb, State Farm and Nationwide.
Chubb offers the best overall home insurance for most Georgia residents. If you have newer homes, Chubb is also the most suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Georgia?
| Chubb | 99 | 1 | 1 | 2 |
| State Farm | 88 | 2 | 2 | 4 |
| Nationwide | 76 | 5 | 4 | 1 |
| Farmers | 75 | 3 | 3 | 5 |
| Travelers | 74 | 4 | 5 | 2 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, the best option for you may differ based on your home type or personal needs. Chubb is the top insurers across major categories.
| Chubb | 99 | Overall |
| Chubb | 99 | Older Homes |
| Chubb | 99 | Newer Homes |
| Chubb | 99 | High-Fire-Risk Areas |
| Chubb | 99 | Bad Credit |
| Chubb | 99 | With Claims History |
Best Georgia Home Insurance by City
Home insurance provider rankings in Georgia cities vary widely based on policy affordability, local customer service and available add-on coverage options. Chubb is the top overall option for all the cities in our Georgia study.
| Athens-Clarke | Chubb | 99 |
| Atlanta | Chubb | 99 |
| Augusta-Richmond | Chubb | 99 |
| Columbus | Chubb | 99 |
| Macon-Bibb | Chubb | 99 |
| Sandy Springs | Chubb | 99 |
| Savannah | Chubb | 97 |
| Valdosta | Chubb | 98 |
Best Georgia Home Insurance Reviews
Explore our top home insurance picks in the Peach State, where we spotlight champions in affordability, customer service, and coverage options for your peace of mind.
Chubb: Best for Affordability and Customer Service
Chubb is the most affordable option for home insurance in Georgia, earning the top spot for each of our categories in the state. It is also the top provider for both customer satisfaction and claims satisfaction according to J.D. Power. Chubb offers a variety of protection options, including some specific to high-value homes, such as its masterpiece coverage. Customers can also take advantage of homescan, which helps detect hidden issues, such as electrical problems or moisture buildup, before they cause serious damage.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $73 | $872 |
| Newer Homes in High-Fire-Risk Areas | $73 | $872 |
| Older Homes | $102 | $1,229 |
| Older Homes in High-Fire-Risk Areas | $102 | $1,229 |
Nationwide: Best for Coverage
For new homeowners in Georgia, Nationwide is the most affordable option for home insurance. It is also the top choice for coverage in Georgia. Its extensive coverage options include water backup coverage and equipment breakdown coverage. According to J.D. Power, Nationwide ranks eighth for customer service and fifth for claims satisfaction.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $107 | $1,289 |
| Newer Homes in High-Fire-Risk Areas | $147 | $1,764 |
| Older Homes | $193 | $2,312 |
| Older Homes in High-Fire-Risk Areas | $264 | $3,166 |
How to Find the Best Home Insurance in Georgia
Selecting the right homeowners insurance can be challenging. We've created a detailed step-by-step guide to help you find coverage that meets your specific needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, determine the coverage level you need. Consider your home's value, the personal belongings inside, and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Understand how much home insurance costs in Georgia to gauge potential savings with different insurers. Also, search for applicable discounts, like bundling policies or installing home safety devices, to further reduce your payment.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Georgia. Conduct research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Get quotes through various methods, such as online searches, phone calls or agent visits, as these estimates may vary across channels.
- 5
Review and finalize your policy
After comparing options, choose a policy that offers good coverage at a reasonable price. Before finalizing the policy, carefully review the terms to ensure it aligns with your needs.
Best Homeowners Insurance in Georgia: Bottom Line
Chubb, State Farm and Nationwide are the best-rated homeowners insurance providers in Georgia. Still, researching and comparing coverage options yourself can help you choose the right insurer for your specific needs.
Best Home Insurance in Georgia: FAQ
Explore our FAQ section for answers to common questions about selecting a home insurance provider in Georgia.
Which company is best for home insurance in Georgia?
Chubb is the best homeowners insurance provider in Georgia due to its affordability, excellent customer service and diverse coverage options. State Farm, Nationwide, Farmers and Travelers are also highly recommended providers in Georgia.
Who has the most affordable homeowners insurance in Georgia?
The most affordable homeowners insurance in Georgia varies by individual circumstances and property details. However, the average annual cost for homeowners insurance in Georgia is $1,267.
How do you get the best homeowners insurance in Georgia?
To find the best home insurance in Georgia, assess your coverage needs, examine local insurer costs and reputations, and compare multiple quotes.
How We Decided the Best Home Insurance in Georgia: Our Methodology
We rated the best homeowners insurance providers in Georgia using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.